I agree 100% to be able to actually communicate with the credit assessor is the only way of doing business efficently rather than trying to speak or communicate with an inbetween party who in most cases has no idea of really whats going on with a particular file, regrettably Banks/lenders are more intent on providing a sausage factory style of business model, Homside are really good at providing a sound relationship to exist between the assessor and broker,whilst some other lenders attempt to do this they are often let down by inexperienced or unskilled assessors, or those that you you cannot understand their version of american/english, And to think Banks have shredded so many good and experienced credit personnel over the years as a means of cost cutting only to see many of these roles replaced with kids that have no idea,what a great idea! Not